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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Decent app-managed card, support needs to catch up A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — res... Read more Reviewed on: 25th June 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Great Compny

Been with Zopa using their credit card for 6 months now. They have been fantastic and really helped my credit score go up. Reviewed on: 21st February 2023

Simple, Transparent Banking

I applied for a Zopa Balance Transfer card and was so pleased with the simplicity of the process. Zopa were completely transparent and told me what needed to be paid when and the impact of doing so. The app is not complicated, which is great. Reviewed on: 21st February 2023

My experience has been great

From the start to competion was very simple. I didn't have to wait long or my card to come through Reviewed on: 21st February 2023

Great Card

Great card, Great app. Easy to use, and even easier to pay. Reviewed on: 21st February 2023

Hassle free borrowing, easy to use interface

Can't say anything bad when it comes to Zopa's services. Their response time is second to none and the app is the easiest app I've ever had the pleasure of using. Reviewed on: 21st February 2023

Easy, informative and quick

App is easy to use, transfers are quick, notifications show how much credit left on account. Never had any issues. Reviewed on: 21st February 2023

Easy to apply

Was easy to apply got a reply quickly and app is easy to understand Reviewed on: 21st February 2023

Easy, reliable app

Good reliable app, good customer service team Reviewed on: 21st February 2023

J.CARLOS

I happy about this credit card Easy online chek Thank you Reviewed on: 21st February 2023

Great credit card

One of the best credit cards I have ever had the pleasure to use. They saved me Reviewed on: 21st February 2023

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